Instant Approval Payday Loans Online Wed, 24 Jul 2019 18:32:13 +0000 en-US hourly 1 Instant payday loans -Instant payday lenders: Get on with your application Wed, 24 Jul 2019 18:32:13 +0000

Can you imagine asking for money and receiving it instantly? In that case, the financial product that interests you is instant credit.

In Shively, we are delighted to help users in everything they need, and we want you to have the money you need as soon as possible. For that reason, we want to confirm that it is possible to hire an instant loan.

Instant payday lenders: Get on with your application

An instant payday loan is a financial product that is characterized by being fast. The fact that it is received faster than normal, could lead to a higher interest payment, but with the difference that you can dispose of the money very urgently, to face any unforeseen event.

Through this product, you can get liquidity very quickly, in just a few minutes and with the maximum agility possible.

you can try PaydayNow, we don’t want economic emergencies to be a problem for you, so if you have suddenly had any unexpected situation and want to solve it as soon as possible, the best alternative you can opt for is instant payday loans.


Advantages of instant credit

Instant Loans are all advantages for users who need money as soon as possible. Which? Comfort, speed, tranquility … is a way to have a mattress at the moment and a certainty that everything will work out because a third party can support you financially.

It is especially interesting when you need to settle a debt to avoid an increase in interest. So many people request this product to deal with another loan.

Without a doubt, it is the best product that can be chosen in these cases and in Shively we want you to access it. So if you want to choose the best option, visit our comparator where you will find all the necessary information to make the best decision.


Apply for instant credit, now!

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Find out now what the consigned credit card is! Thu, 04 Jul 2019 12:56:00 +0000 The consigned credit card is the one that unites the functionalities of the traditional credit card with the characteristics of the payroll.

That is, you can use it to make purchases and install them, both in physical stores and online. In addition, the Personal Payday Card has low interest rates and can be released to anyone who is negatived in the market.

Understand better what is the consigned credit card !

How does the  Card work?

The Card consigned card has the same basic features of the common credit cards. However, the difference between them is that the  Card can be requested exclusively by public servants, retirees and pensioners of the INSS, since they are people who have a monthly fixed income .

This is an important requirement, since it is related to the payment of the card, since the Personal Payday Card installment amount is automatically deducted from your salary / benefit. This debt is limited to up to 5% of your monthly income, according to the assignable margin.

Before the automatic discount is made, an invoice with the amount used on the card is sent to your address. You have the option to pay the full amount of the invoice, which eliminates interest rates. But, if payment is not made, the amount will be deducted from your monthly income.

Consignable Margin : It is the maximum limit of monthly income that can be used for the payment of the card and the payroll loan. To know more information, see the post: Margin Consignable: What is it and how does it work?

Interest rate

The Personal Payday Card interest rates reach about 3.0% per month and up to 5 times smaller compared to traditional credit cards. This is because the bank has a greater guarantee that the installments will be paid, since the amount is automatically charged to the customer’s monthly income.

Limit transfer

The Personal Payday Card allows you to transfer up to 95% of your card limit to the account in which you receive your benefit. It is important to say that you can request as many transfers as you wish, without paying additional amounts for the service. In addition, you can withdraw money at any ATM in the 24Hours network.

To know more about how the transfer of the consigned card limit is made, check the post: Complementary withdrawal: What is it and in what situations do I request it?

Can Negatives Request the Personal Payday Card?

Yes. Those who are denied can request the Personal Payday card, since the value of the invoice is deducted from the salary / benefit of the customer. Therefore, it is not necessary to consult the SPC / Serasa, which also reduces the bureaucracy of the operation.

Lender Insurance

When applying for the Personal Payday Card, you can include the Lender Insurance, which guarantees the settlement of the remaining portions of the card in case of death or disability of the client.

It is important to say that the Lender Insurance is not something obligatory, the client has the option of hiring him or not. If requested, the fee will be charged once a year, directly on the Personal Payday Card invoice.

International Card

The Personal Payday Card also has the international function , being possible to use it in establishments abroad and in international sites. In addition, you can withdraw the card limit at 24-hour Cirrus Network ATMs available worldwide and use whatever amount you prefer.

Personal Payday Card My Time

Personal Payday Card My Time is a service that allows you to customize the card with the symbol of your soccer team. With it, you have access to discounts for purchasing licensed shirts from your team. When you use 50% of your card ‘s limit on purchases or withdrawals, you receive an official team shirt.

Mastercard Program Astonishing

Surprise Mastercard is a program in which you earn points when you make purchases with your Personal Payday Card. Each purchase equals one point and you can redeem them for products in stores such as Avon, Outback Steakhouse and Habib’s.

To participate in the program, simply register on the website of Mastercard Surprise and register data such as full name, email, CPF, zip code and Personal Payday Card number.

I want to know more

Now that you know what the Personal Payday Card is, it is important to use it carefully because even if interest rates are low, they increase the final value of the loan.

In addition to Personal Payday, other banks offer payroll deductible credit cards. Find out the best in the post: Find out now which is the best Consigned Online Card!

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Credit Analysis – How Does It Work? Tue, 02 Jul 2019 12:39:12 +0000 When you lend your money to a friend or family member you do not get to do a credit analysis, but always expect to receive it back. Right?


With the Banks and Financials works the same way … The difference is that usually these companies do not know the person who is borrowing money. Therefore these financial institutions perform a process called by credit analysis.

Credit Analysis – How is it done in banks and financial?

The credit analysis usually has 5 phases:

1) Application for Cadastral Data: Normally, your registration data begins (as you are the one who is borrowing money). The most important at this time is to truthfully inform all requested data. In addition to your identification data such as Name, RG and CPF, date and place of birth, name of the father and mother, companies that are giving the credit need to know their contact information (telephones, email and address), data about their how to earn money (occupation, income and employer) and data about your spouse when you are married. Some personal and professional references will be required for your primary data to be confirmed. Other information on the possession of some goods and means of payment are also common in the registration forms.

Analysis of restrictions on your behalf

2) Analysis of restrictions on your behalf : Based on these data the financial institution starts the credit analysis and verifies if there is any payment pending both with the institution itself and with other creditors by consulting for this the famous negative records of Serasa, SCPC or others.

3) Analysis of your credit profile : In addition to this analysis, the institution assesses if your credit profile fits the profile expected by the financial through a statistical technique called Credit Score (score your data).

Analysis of the commitment of your income

4) Analysis of the commitment of your income : If everything is correct, the next step of the credit analysis will be the evaluation of your ability to pay where it is usually checked if the requested loan amount “fits in your pocket.” For this, banks and financiers generally consider that the installment can not exceed a percentage of their salary. This proportion varies between institutions and sometimes between person-to-person within the same institution, but is usually between 20% and 30% of the sum of their income.

5) Analysis of your documents : Finally, the institution will request your identification documents (RG and CPF) and proof of income and residency, and you can also make some cadastral checks with the proponent and his references.

In other words, to increase your chance to have your Personal Loan approved, Good Credit suggests that you provide your information correctly, use credit wisely and always be sure that you can honor your commitments.

Want to do your credit analysis without cost and without any hiring commitment? Then click the button below and start now!




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When did you realize your financial situation has changed? Mon, 17 Jun 2019 21:35:09 +0000 I know you love to live in the past because then it was better. But by the end of the article, you will find a huge discovery, and I hope you will find that your financial situation is getting better. Indeed! It has changed specifically and you are playing in a completely different league with other problems and goals! Write a comment at the end of the article when you came to realize that your financial situation has changed?


The day I realized my financial situation – my financial situation changed

Everybody starts from somewhere in life and we typically try to get more out of our possibilities. I remember the first moment I realized my financial situation changed:


i went to the first electronics store and bought my xbox 360 console without a loan without any problems… then i immediately added original games… and one more joy


This recognition has completely changed my life and I finally realized that work has not only a price but also a result. However, this is basically a tiny step, but I think that the point in everyone’s life is when you can buy something without any trouble, without having to look at your account.

This moment has since been followed by many other discoveries, such as

  • in the restaurant, not the right (price), but the left column
  • I like the subway, but I don’t like to spend 2,000 forints for a sandwich. But if I want to…
  • I have always dreamed about going to the Apple store to go shopping once… and then I noticed a few years ago that nothing else was needed from the store

So I felt like a king of life for years, because I got rid of more and more childhood frustration and stepped on the path of realization. Then another feeling came into my mind …


He’s not happy

Now tell me how selfish you are. When there is nothing, he dreams that he will do everything one day. When this day comes, it shrugs and walks away. When I first walked the shopping line at the more branded branded stores with the knowledge that “I see and buy” and I didn’t feel anything, I was scared.

“That’s not happening,” I thought, “But what then?”

I was thinking a lot about the solution and I realized that I was not interested in shopping because I could. I moved to another mental state where the object is no longer the possession of the movables, but much more.

Man wants to be a boggle, so he’s gonna start dancing. Family-to-human relationships have appreciated, and instead of the latest phone, I chose 10 to 10 times a family vacation where we get experiences. Because I realized that the objects are outdated, but the experience will always be there with me.

Of course there were new goals in life…


Time to play great

If you get to spend your money on your home instead of on movable property or on a car, then you realize that you have bought stupid stuff and luxury stuff so far, because they were much easier to access for them, and they immediately acted as a mental drug. This adds up to the addiction that is exacerbated by childhood traumas when you stand in front of the shoe shop window and you are so keen on that shoe, but you have no money to buy.

And I became richer with one more recognition. Instead of tossing millions for years, half of which is already missing, we should always focus on the big things. Since then at least one apartment would have more in my possession. And this is a lasting, real value that is not for the moment, but for my life.



When did I find that my financial situation changed?

I always find out and find new goals again. Once positive, sometimes negative, but not my financial situation, my perception changes. This is one of the most important lessons of life for me. In the course of our development, our goals are constantly reassessed and the financial situation we need to evaluate is completely different.

I think this constant change is the reason why there are people with the same earnings who are poor while others feel rich!

I wonder what kind of recognition do you have? Write in comment…

If it is important for you to fight financial ignorance, support my work monthly with a coffee price, a movie ticket price or a book price.

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Avoid Problems with Financing Mon, 06 May 2019 21:23:27 +0000 Many people are familiar with the lines of real estate and car financing, but nowadays several additional lines of financing are offered by financial institutions, it is now possible to finance the college through student financing, to finance plastic surgery, to finance the purchase of equipment accessibility, such as hearing aids and prosthetics, in order to finance the most diverse types of goods and services.

Research among the various institutions in the market

It is very important to evaluate the costs involved in the operation, deadlines and guarantees that will be requested to effect the financing, there are many options for institution in the market, so research well before closing the deal.

Evaluate your income

One of the biggest reasons for refusing a loan is lack of sufficient income, whether you actually have the financial condition to take over the operation, if any, financial planning and increase the entry so that the amount financed will decrease. It is also important to consider unforeseen, if you have any problem with your current salary, is there any plan to honor the funding?

Simulate the situation

One of the best exercises is to simulate how your financial situation would be in the last few months with the payment of a portion in the amount that you want to contract the financing. If you’re not in a hurry, simulate in the next 3 to 6 months by making a financial application exactly the portion of your funding, see how that affects your budget, and take the test to build up a reserve and increase your income.

Extra costs

Often in contracting the financing we only evaluate the installments, but when financing a real estate, for example, we have several other costs involved, such as contractual elaboration, inspection of the property, registry in registry, besides taxes.

Do not stay in default

Default in a financing is one of the worst situations that can occur, especially if you allow to accumulate installments in arrears with more than 90 days. This is the period that the bank can execute the contract and initiate the arrangements to “take” the good that was used as collateral.

Evaluate the clauses of the contract

Always review the clauses of cancellation and termination of the contract, in case of unforeseen circumstances such as unemployment, or something that affects your income in an unpredictable way, you must know how to act with the financial institution in order not to increase the loss.

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Should I switch banks if I get a Personal Payday loan from elsewhere? Sat, 04 May 2019 12:24:15 +0000 There are plenty of advertisements in which banks offer us favorable credit products, whether they are Personal Payday loans, mortgages for housing or other types of loans. There is competition between banks for customers, so they are trying to get the best deals for them. The more advantageous offer primarily involves lower interest rates, but not only can interest rates be the difference between offers, they can offer many other attractive and preferential terms.

Competition and the different profile and target groups of banks

Therefore, you should always look carefully at the offer, compare several bank offers before deciding which bank to use. In addition to the interest rate or the amount of the repayment installment, the benefits associated with the fulfillment of the various services or conditions, as well as the benefits associated with the contract, must be taken into account.

Due to the ongoing competition and the different profile and target groups of banks, you may find that when you want to apply for a loan, you will not find the most favorable conditions for your bank, where you have already managed your account or kept your savings.

For many, this causes a big dilemma: some who prefer to stay at their own customary bank, even if the conditions are more unfavorable, because they are already familiar to them, while others prefer to remove their previous account and transfer to the new bank in one place be your finances. Who’s right? What should you do?

If you are borrowing

If your bank does not provide you with the best conditions for a loan, you don’t have to doubt it. You may contract independently of an account with another bank and do not need to cancel it.

In most cases, the lending bank provides discounts if you manage other finances with them: these are usually the conditions for choosing a larger account package or receiving a certain amount of income. In such a case, it is worthwhile to change the bank – at least until the conditions are met – because the loan repayment installment can be significantly lower with the interest rebate, or you can allow the fees associated with the application for the purchase of the service. Choosing a more comprehensive account package can make your day-to-day finances cheaper too – while paying the package fee, the installment may be lower.

So you should take advantage of the discounts, but of course it doesn’t mean you have to cancel your previous bank account. You need to consider the cost of keeping the invoice, whether it will be needed later or whether it is a practical or convenience reason to maintain it. You should consider aspects of the fee for account management, card and transactions, or if you have savings, your original bank has the best investment opportunities for you.

If you already have a loan

There are two typical situations for a loan changeover: if you want to borrow another loan or take your existing loan or loan to another bank, you might be in debt settlement .

If you need a new loan alongside your existing loan, you can still search for another bank, and you might want to choose where you want to borrow based on your current credit offer. Not only are there promotional periods when a bank gives more discounts, but also because the banks’ credit policies may differ. If you have a mortgage for a bank that has received it on the most favorable terms, it is by no means the case that Personal Payday loans can be obtained at that bank with the best conditions. Don’t be bound to your original bank!

Replace several existing loans with a debt settlement loan

There may be a situation where you would like to take your existing loan to another bank, because you can continue to repay the loan on better terms or replace several existing loans with a debt settlement loan. In this case, you should definitely leave your bank if you only used your bank account with the lending bank as a debit account. You would then have to keep your current account unnecessarily, which would be costly, and it may be true that you can get preferential terms if you manage your finances with the lending bank.

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Personal Payday Loan: Learn the details and benefits Wed, 24 Apr 2019 21:27:58 +0000 If you are in doubt about the bank where you should apply for your extra credit, know the details and benefits of the payday loan at Good Finance right now.

Personal Payday Loan at Good Finance

The Personal Payday loan at Good Finance is exclusively for INSS retirees and pensioners, federal, state and municipal civil servants, as well as military and pensioners from the Armed Forces, since they are people who have a fixed income for a lifetime.

This is an essential requirement since, when applying for the Personal Payday deductible loan at Good Finance, the monthly installment of the loan is deducted automatically from the applicant’s monthly income, according to the assignable margin .

Margin assignable

The assignable margin is regulated by a law that stipulates that only 30% of the monthly income of the applicant can be directed to the payment of the consigned credit. The purpose is to prevent the applicant from becoming indebted. In addition to making him have more control over his financial life.

The automatic discount, based on the policyholder’s margin, also gives Good Finance greater assurance that the debt will be paid off. Thus, it is possible to provide better hiring conditions and reduced interest rates .

Reduced interest rate

The interest rate of the payday loan Pan Bank is one of the biggest advantages of the transaction. It is regulated by the Central Bank, and can reach a maximum of 2.12% per month. That is, if compared to the interest rates of the overdraft and the revolving card, the loan at Good Finance offers interest up to 3 times lower.

What documentation do I need?

Hiring the Personal Payday loan is simple and practical. Just you have in hand documents like:

  • RG
  • CPF
  • Proof of residence
  • Extract of your INSS salary / benefit.


It is important to note that when applying for a Personal Payday loan at Good Finance, monthly installments will automatically be deducted from your monthly benefit / salary before being deposited into your account. Therefore, it is necessary to carefully analyze, research and budget before applying for credit.

Advantages of making the loan at Good Finance

The payment of the installment of Pan’s Personal Payday loan is directly deducted from the payment or benefit of the contractor. With this, the bank has greater guarantee of the payment of the debt, and for that reason, does not make credit consultation .

There are already sites and applications that provide online hiring of the Personal Payday loan at Good Finance. This operation provides greater security for the client, since these sites / applications usually have online certifications such as SSL (Secure Sockets Layer) and Google Safe Browsing , which ensure that the environment is secure to carry out financial transactions.

In addition, online applications also tend to be faster and more agile , as it is not necessary to go to one of the financial institutions’ correspondent physical or banking branches.

Personal Payday loans at Good Finance also provide flexible repayment terms. They are up to 72 months for retirees and pensioners in the INSS, and 96 months for public servants.

You also have the option to advance the installments of the loan, and thus, take it out in a shorter than expected term. In addition, when requesting the advance, the total value of the transaction interest rates will be reduced.

Unlike many people think, applying for a paycheck loan at Good Finance does not require a checking account at the institution. This is because the loan amount is debited directly into the account in which you receive your salary / benefit. Thus, you do not need to be an accountant to enjoy the benefits offered by the institution.

One of the main advantages of requesting Personal Payday loans at Good Finance is that the installments and interest rates are fixed at the time of hiring. This means that you already know the CET (Total Effective Cost) from the beginning to the end of your loan contract, such as total interest amount, monthly installment amount and others. So you do not have to worry about surprises.

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Did your credit card bill come in? Check it out sooner! Thu, 18 Apr 2019 21:23:43 +0000 Credit card, when used consciously and with financial discipline, can be a great ally for you to carry out your projects.

When the credit card invoice arrives it is important to check all the postings to check if there are no charges for undue amounts, be aware of the payment deadline for not having interest charges, among other items that need attention.

What to do when ripping your invoice envelope

Due date

Prioritize the day-to-day payment of your bills, especially your credit card, as it charges you a considerable amount for delays.

Check invoice ownership

Check the name of the cardholder described on the invoice, as receiving the invoice from another customer by mistake and paying is not so uncommon in the list of complaints from the operators.

Check your previous invoice payment

Invoices invariably have a field labeled “Credit” to identify the payment for the previous invoice. If something is incorrect, check with your service provider.

Review the purchases listed on the invoice

Analyze purchase by purchase, check dates, values ​​and purchase installments. Even if it is something complicated, it is necessary to avoid problems.

Did you pay the minimum on the invoice?

This is always a bad deal because interest is expensive. Even so, take the time to check the interest collection calculations and try to get rid of the interest rate as quickly as possible.

What is Revolving Credit?

The revolving credit is the modality most associated to the use of the credit card. Every time the invoice is not paid in full, the remainder of the debt goes to the next month. This results in consumer interest because it is credit that has been hired.

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